Fund in Naira. Pay your Chinese supplier in RMB. In real time. On a regulated rail.
Kardit is the new payment rail by ChamsSwitch. Founding bank partners and early users are being onboarded first. Join the waiting list.
CBN-licensed switching · UnionPay International third-party processor · Part of Chams Holding Company Plc (NGX: CHAMS)
CBN-Licensed
Payment Switching & Processing Company
UnionPay International
Third-Party Processor
NGX: CHAMS
Part of Chams Holding Company Plc
Founding partner banks get first access to the rail, co-branded routing, and revenue share. We are onboarding the next set of partners now.
Every payment between Nigeria and Asia is friction-taxed at four points today. Kardit is built to remove each of them.
A SWIFT bank wire takes a week to reach a supplier in Yiwu. A crypto-routed payment depends on broker availability. The corridor's largest trade flows still move on timelines from a previous decade.
Kardit settles in real time on supported flows.
Informal agents add three to eight per cent in margin. FX spreads through fragmented banking add more. Stacked intermediary fees compound across every transaction in the chain.
Kardit collapses the intermediary layer onto a single regulated rail.
Informal channels carry compromise rates that reach forty per cent. Delays. Interceptions. Outright losses. No audit trail. No path to recourse. No proof to a tax authority or a counterparty that the payment moved at all.
Kardit is end-to-end traceable. Regulated. Audited.
Nigerian-issued international cards hit monthly limits within days. Visa and Mastercard acceptance in mainland China is materially lower than at home. The rail just isn't there for the volume the corridor needs to move.
Kardit, UnionPay-powered, built for corridor-scale volume.
Four frictions. One rail.
The corridor pays a tax at every step today. Kardit replaces the tax with infrastructure.
Fund in Naira.
Pay in RMB.
Settle in real time.
One regulated rail.
Built on ChamsSwitch's China UnionPay International third-party processor accreditation.
Kardit is the new payment rail by ChamsSwitch, built on our China UnionPay International Third-Party Processor licence and our CBN-licensed switching infrastructure. A structured, regulated, real-time pathway for payments between Nigeria and Asia.
Kardit is not simply another payment product. It is infrastructure designed to support the next phase of trade, commerce and financial connectivity between Africa and Asia.
Pick yours.
Your supplier in Yiwu sends an invoice. You initiate the payment from Lagos. The supplier confirms receipt the same day, on a rail built to settle in real time. No agents. No USDT. No "where is my money". The payment moves through ChamsSwitch's regulated infrastructure, with a clear audit trail end to end.
Join the waiting list →A card that actually works when you arrive. Acceptance across China at the point of sale, the ATM, and online. Designed for the Nigerian executive, the business traveller, and the family travelling for holiday or for study.
Join →Paying Asia for the hardware your operation runs on. For the SaaS subscription your team uses every day. For the services that come from Singapore, Shenzhen, or Shanghai. Kardit gives your finance team a single, traceable corporate payment relationship with the corridor.
Join →For the 6,800+ Nigerian students studying in China, and the families supporting them. Tuition, accommodation, daily expenses. One regulated rail, designed for the use case.
Join →Kardit is also the infrastructure layer that lets your institution offer corridor payments to your own customers. Speak to our partnerships team about the issuance pathway and the institutional integration.
Email partnerships →Three steps. The first one is on this page.
Tell us who you are and what you are paying for. Your nurture sequence is personalised to your segment.
We work with you, your business, or your institution to get the right Kardit product activated. Onboarding is structured, regulated, and traceable end to end.
Move money on a rail engineered for the Africa-Asia corridor. Powered by ChamsSwitch's switching infrastructure, in partnership with the world's most-accepted Asian payment scheme.
Kardit's card-issuance leg runs in partnership with UnionPay International. UnionPay accepts payments at over 95% of merchants across mainland China.
Eighteen years of operating heritage as part of Chams Holding Company Plc (NGX: CHAMS). A multichannel electronic payments switch already trusted by more than 200,000 businesses across Nigeria.
Kardit represents the first phase of ChamsSwitch's broader strategy to build regulated payment infrastructure between Africa and Asia. Future capabilities will expand beyond card payments into business collections, institutional settlement, merchant acceptance and broader corridor services.
Trusted by Nigerian banks. Built on the right regulatory backing.
CBN-Licensed
Payment Switching & Processing Company
UnionPay International
Third-Party Processor licence
Kardit is currently in pre-launch. Founding bank partners and the first wave of early users are being onboarded now. Join the waiting list to be among the first to receive access when we go live.
Banks interested in joining the rail as founding partners get first access to distribution, co-branded routing, and revenue share. Use the waiting list form below (select "Bank or Financial Institution") or write directly to partnerships@chamsswitch.com. Our partnerships team will respond within 48 hours.
Kardit is the new payment rail by ChamsSwitch for the Africa-Asia corridor. It comprises card issuance for travellers, students, and corporates; institutional acquiring for banks and financial institutions; and an underlying switching infrastructure that connects Nigeria's payment system to Asia's.
The first wave of Kardit access is being offered to the audiences that need the rail most. Joining the waiting list lets us understand your use case, prepare the right onboarding for you, and offer you priority access when we activate.
Kardit's first and strongest use case is the Nigeria-China corridor. The infrastructure is designed to extend across Asia as our partner ecosystem grows. China today, Asia tomorrow.
Kardit runs on ChamsSwitch's CBN-licensed switching infrastructure, with scheme partnerships including UnionPay International (the dominant payment scheme in mainland China). Every payment is traceable end to end. Settlement is real-time on supported flows.
Use the partnership form in the footer, or email partnerships@chamsswitch.com. Our partnerships team will respond within two business days.
The first wave of Kardit access is open. Tell us about you. We will personalise your access and reach back out within 48 hours.
We will be in touch within 48 hours with what happens next. Banks: our partnerships team will reach out personally within one business day.
